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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,392 | $59,006+7.4% | $97,197-34.8% | $74,429-14.8% |
| Participation rate | 43.7% | 63.7%-20.0pp | 72.7%-29.0pp | 67.2%-23.5pp |
| Annual return | 7.33% | 16.04%-8.7pp | 75.47%-68.1pp | 1368.38%-1361.1pp |
| Employer contribution / active EE | $995 | $1,894-47.5% | $2,723-63.5% | $2,625-62.1% |
| Participant deferral / active EE | $2,661 | $3,671-27.5% | $4,263-37.6% | $4,348-38.8% |
| Admin fee / account holder | $13,888 | $1,974+603.5% | $5,637+146.4% | $1,944+614.3% |